“You’ve Got to Be Kidding Me” Insurance Claims
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- เผยแพร่เมื่อ 16 ก.ย. 2024
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Had a house fire years back, lost almost everything. What the fire didn't burn after 2 hours of fire department fighting it, the water destroyed. Spouse had always rolled his eyes at me keeping files with receipts and warranties. Files were stored in a plastic tote in a corner of the basement. Contents were a bit damp and smoky, otherwise intact. Adjuster's jaw dropped when I set that big tote box down in front of him.
I'm gonna start doing this.
Go one further and pay for a safe deposit box at a bank. Store the documents there.
I worked in disability claims. A woman filed a claim stating that she had been shot in a convenience store robbery. What she forgot to tell us was that she was the robber and it was a cop who shot her. DENIED.
Elvis, but it was such a minor little detail. 🤣🤣🤣
What a hoot!
😭 oml did she just admit to the crime
"I tripped on my rug and went head first into my TV" it was so hard not to laugh as this call was being taken 🤣
Turn about is fair play! Doctor here. A patient of mine was fully employed with benefits: Blue Cross of Arkansas. He got drunk one night and got in a gun fight with a Highway Patrolman. The patrolman was a better shot and shattered my patient's left humorous, mid-shaft, taking out 7 cm of bone. In addition, nerves, muscles and tendons were injured.
Over the next three months he was a frequent flyer in my OR. My professional fees were in excess of $5,000 to provide anesthesia for multiple surgeries.
BC Arkansas denied payment because he was "in violation of the law" when he suffered the injury! So, I guess if you are going 3 mph over the speed limit and have a wreck, they don't have to pay? I have never heard that reason before or since.
My car was at the body shop because I had gotten rear ended & the rental I got had bald tires. I ended up hitting my house when I couldn’t stop on the icy driveway. Fun times.
Lol bet u check your tires alot this time of year🤣
Wow
I'm sorry, but that's so darkly funny, I laughed out loud. Such a bad day.
And this is why I buy the full coverage when I get a rental.
You could have sued for something like that.
I feel like I run the 50/50 gambit every time I choose to listen to one of these. I’m still stuck on “my son died while house-sitting and our house was cleaned out.” Some bastard broke in, likely saw the son, and apparently went “welp, the owner’s dead anyways.”
Not claims, just some experiences.
1. A friend spent years fixing up an old car he was very found of. I believe it had been a 2 year project. Finally the day comes, everything is finished, and he goes to take the maiden voyage. He turns into his road, then onto the main road with 100km speed limits and gets rear ended at pace, writing off the car and putting him hospital.
2. My parents were orchardists, and wanting to expand they bought a small cherry and stone fruit orchard not far from the home orchard. It came with a house that was full of trash as the previous owner was very old and only barely managing to look after himself. It took a few of us several days to clean out all the mess.
Also this house was right beside a creek that usually had so little water in it you could comfortably step over what was there. They call it a 1 in 100 creek as it was thought to only flood once every 100 years.
Turns we must have bought the house on year 99 in that case as next year the creek flooded, jumped the banks and also flooded the entire house.
And then about 3 or 4 years later it all flooded a second time. Lucky enough no one was hurt though, either time.
4:50 No ma'am the train always has the right of way. Had my dying 😂!
Window condensation .. now that reminds me .. back a few years. My father started a small company together with his youngest brother, they bought 2 appartment buildings (17 appartments in total) and in one lived this young woman who over her first year gave birth to a child. From then on she kept all her windows closed all day because some old relatives told her that draft could harm her child. Then came the letters about "water from the windows". We later found out, it was a sentence used by her father who to our surprise even worked in building construction and he was convinced that condensing water was produced by the windows. Truth was the building code and construction methods as well as material for window frames changed over time .. He probably was referring to older windows that didnt shut as tightly as modern windows. So old windows always had a light air flow that naturally prevented condensation during most times except if you put up a large pot of steaming hot water (or putting up wall coverings, the water solved glue injected a lot of humidity when drying itself). We had to stiffle our laughter when talking to the lady and her father about ventilation and regular air exchange to prevent mold
One of my friends (17 at the time) had just bought his first car, he had worked rly hard for it too and he had parked it outside his school. About an hour later there's a wind warning for that night, the storm turned up a bit sooner than we thought though, about an hour before classes were going to end it started getting real bad.... by the time we got out his car had been hit by not 1... not 2.... not 3 but 11 full size trees, his insurance company thought he was lying until he sent them the pictures.
I've worked in insurance claims for a long time. When I was in my early twenties I went out to a little neighborhood to do inspections on houses that had been hit by a straight line wind. The wind was incredible and it was so serious that some of the houses had been blown clean off of their foundation by several inches. Anyways I went to a house and was about to get started when I heard a commotion next door and basically the story was that the person who owned that house discovered that everything had been damaged that night during the storm so he decided to cash in and brought his pickup truck into the garage and beat it up with a ball ping hammer. Everybody who lives nearby said they saw him drive into the garage and could hear him hitting the truck and then watched him drive back out of the garage. He then got on to the roof to "inspect" it where he continued his assault on his property and was hitting the roof with a hammer acting like he was repairing it.
One of the neighbors just so happened to be an insurance fraud investigator and recorded it. A few days later his insurance adjuster showed up which of course was at the exact same time I showed up to look at the house next door. She then walked over to another neighbor who was a police officer and let him review the video. The two of them walked to the man's house and proceeded to inform the adjuster about what was going on. The officer offered to arrest the man but was informed it would not be necessary since the man would be brought up on charges.
I couldn't tell you exactly how it ended but let's just say he was definitely not in a good position.
I think it's a "ball-peen" hammer.
@@Kayenne54 well that changes everything. Thank you !!
I live out in the country and my place got hit by straight line winds. Neighbor about 2/3 mile away had 2 huge oak trees ripped out of the ground. Entire root ball showed. I lost a bunch of out buildings. My house shook and over half the shingles were on the ground. I got 0.65 inches of rain in 30 minutes. That was one scary storm. While looking out the back door window I saw sheets of metal roofing flying towards my SUV. I really thought my vehicle was totaled, but somehow the metal roofing missed the SUV and landed 1000's of feet away crumpled up in a group of multi-branch trees. We had a heck of a time getting the roofing out of those trees.
That first one probably got investigated.
7:20 I remember calling the claims department saying "I've got a new one for you."
"I've been doing claims for 20 years, try me."
"I was pulling out of a parking lot and the ground fell out from under me."
"Yep, that's a new one."
17:00 That one is just sad.
Not insurance but... I bought an SD Card for my phone this summer. This past Saturday it failed. I lost all my pictures and videos. I decided to post a 1 ⭐ review on Amazon. When I finally located the order I discovered I could still return the SD Card. There was a 6 month return window. I contacted customer service and learned they don't even carry that SD card anymore. UPS picked it up on Monday.
Lol, that first one! Did their tenants happen to be beavers? 🤣
Cringe
@@guerillagorilla4423 Couldn't resist, my bad
The flipside to this is insurance companies using every trick they can to avoid paying out, even if it means ruining people. Gotta keep those shareholders happy!
"I didn't think they were serious." Literal LOL, hard. That's some world class stupid there.
When I was a teen, our high school would run its "Driver's Ed" course through the huge parking lot after coning off a big part of it. My buddy needed body repair to his Dodge Challenger R/T, so he parked it immediately next to the Driver's Ed course. Sure enough, with a week or so the car got hit by a student driver, and that fender got fixed...so he turned the car around and parked it with the OTHER bad fender facing the Driver's Ed course, and yep - THAT fender got hit. It became a joke among our bunch of guys that knew about this, that we could get our car bodies fixed for free by our "Strategic Parking Plan". I think our group had four cars repaired before the school realized they needed to leave more room for the Driver's Ed course so the student drivers wouldn't keep hitting other cars!
Your friend is a genius. I love this idea.
I actually can relate to one of these stories. In a chemical plant, we had given the operator's cell phones to input log sheets on. One guy I had his phone in a shirt pocket and it slipped out of his pocket into a grinder. Literally ripped the phone in half and we had to dump the whole load because the screen was turned into powdered glass all through that hopper. Don't put your phone in your shirt pocket while working y'all
When I was little my mom worked taking claims. Once I graduated high school I'd work restoring things that were insured between college classes. The best one:
Allstate adjuster's house.
Plastic outdoor umbrella + tall halogen lamp + propane BBQ... you see what's coming.
Lamp lights umbrella which melts down onto the propane tank which ruptures, turning into a flamethrower which blasts into the townhouse...
We were laughing the entire time while fixing that place. Of all people on this planet, an adjuster should know better.
Peopel are that way. they do their job very well, and fail to apply the same standards to their personal life. Ex: The dr who does not go in for regular physicals, the pastor who hangs out at bars, etc. On the other hand, Thomas Jefferson instituted the first Census and failed to count himself...
I work in commercial insurance. A coworker of mine had an account for a golf course and country club that was being renovated. One week before their insurance would renew, the country club (still incomplete) burns down.
And how 'accidentally' (on purpose?) was that?
@@cstephenson3749 Electrical fire. Was indeed an accident. Horrid timing because the original carrier (after paying out the claim) wanted nothing to do with the club.
one story reminds me of an old magazine article about a woman who kept getting obscene phone calls at home, from the same guy at different pay phones.
she was so angry, she drove all over town, and wrote down the numbers for every pay phone she saw.
THEN the next time he called, she was able to used her caller ID to pinpoint his location, and sent the cops, who caught him IN THE ACT!
oh, and he got her number from a business card she left somewhere. something to keep in mind.
A house burned in our town. Electrical fire. It was damaged beyond repair. They lost all of their antique furniture and their dog was killed. The insurance refused to pay. Rumor was the company claimed the fire was suspicious.
The owners put an angry declaration in huge, black, spray painted letters was put on the broadest side of their burned out house, "Insured by (name of insurance company)." They finally received a settlement, but it took a year. It's just an empty lot now.
…. Why the hell would someone disassemble the shed and throw the contents into a reservoir?
I don't know.
@@michaelbujaki2462 you’re the one who did it it bet.
😅
Worked for an car insurance company in the UK. Two claims stay with me. The 1st the customer crashed into a wall in a pub car park just after closing time and claims that he was distracted by a UFO... 2nd one customer said that he and his passenger got out and of the car and gave gave the other party some road rage, they admitted beating the other drive up. All of this was admitted on their accident claim form.
"A Five Monkey Deductable" .... Things I didn't expect to hear on this ...
24:10, I've heard stories about Hurricane Camille all my life. Coastal Alabama got hit hard by that monster.
Back in the days of typing pools, I worked in one at an insurance company, and once got one where they were cancelling it due to "Underwriter's Judgment." Not uncommon, except this file had a bunch of newspaper articles about the church and its pastor. Among other things, they would go to gay bars and abortion clinics in the area, write down license plate numbers, and then call the people's employers and tell them where the car had been. How they did that in the early 1980s, IDK, but you could, and they did.
You get ones who take the piss by breaking their vinyl record player and claim for a full home entertainment system
13:48 So, coming back from a family reunion and myself and dad are driving mom's car and mom, sister, and aunt are in aunt's car with mom driving. stuck in traffic on nashville bridge when behind each other when the blue car behind us gets scared because the semi behind him blew his horn at him for texting and driving. Blue car slams into aunt's car being driven by mom, who a second later slams into her car being driven by dad. Blue car ends up fleeing when we tried to pull over, we all have the same insurance company, and yes it took a while to get them to understand what happened.
Bonus: aunt's car managed to survive the trip back home to st petersburg before the radiator exploded in her driveway 2 days later as she's pulling in
At the end of the story about the claims investigator who discovered the couple's history of fake insurance claims, I misheard the announcer saying "hoping to be reincarnated into something useful, like a maggot or Iraq." I was like, wow, I know Iraq isn't the most fun place to be, but that's a bit harsh. Oh, he said "a rock." That makes more sense.
In the trucker excuse "I didn't think they were serious about the height of the bridge" segment, my mind flashed on the clip of the truck that scalped itself, in a collection of traffic incidents involving a notorious underpass.
Welp. The 3 big “historic” incidents that would of shocked claims were..
The 90’s Tank Guy in California. Destroyed several cars with a stolen tank. Police were 😳.
The early 2000’s “Kill Dozer” from Colorado. That guy killed cars, a cement company, and several buildings before killing him self.
The 2010’s “Stolen Q400 Turbo Prop from Seattle’s main Airport. Only reason two fighter pilots did not shoot his ass down was because he takes to ATC and made it clear he just wanted to YOLO, not hurt anyone else. He almost did 360 loop with a freaking Q400 and made sure to crash in a remote area when fuel ran out. Only he died.
That was about a 40 million dollar YOLO. But no structures, cars, or people were harmed…besides him and the plane.
Yep. Top 3 WTH insurance claims.
9/11 does not count. That was a tragedy. Nothing funny about that.
Fun fact: if you start chugging alcohol when the police get there they will still charge you with DUI. They will also find other stuff to charge you with for trying to get out of the DUI
24:00 I want to know what that technicality was!
The idea someone would jump in the way of a truck to kill themselves is scary. Your just traumatizing a innocent person for the rest of their lives
4:56 lmao imagine, yes the train always has the right of way idk what makes u think otherwise
Playboys and Penthouse magazines haven't depreciated in value, that claims adjustor is off their rocker. Depreciation of value only happens to stuff that's of declining quality or extremely common items like Sports Illustrated.
Wouldn't older copies of Sports Illustrated be valuable to an extent?
I use to work at an insurance agency. I got the best laugh one day when a client walked in literally carrying his front car bumper, all he said was "I was rear ended and my front bumper fell off!"
I'm not inclined to disbelieve that one outright. It's weird enough to be true.
6:45 this works. A friend did this in high-school. Got drunk at friends and decided he should try to drift his truck around the block. Hit a parked truck and trailer. His truck totalled. Some people came outside of their house and talked to him but he just snuck away to his buddies before the cops got there and started pounding beers and came back with one I think . Cop knew he was drinking and driving but couldn't prove it. He boned him every which way he could though.
I would have noped out of the house that had the rattle snake so fast there would be cartoon clouds of dust seen.
There are people that try to get hit by cars or pretend they got hit so insurance or something does something
My dad works in insurance and he got a call for someone trying to insure a fucking T-Rex’s complete bone structure….. 😨
Yeah pretty much the only way to go.
Letting the bull finish
I worked at a body shop once and we got the insurance claim stated that a raccoon darted out in front of the car and messed up the underside of the car. However the customer hit the wrong key when typing and basically said the raccoon farted across the road messing up the underside of the car and front bumper...yeah we had a good laugh including the customer, cool fella just gotta love mistypes on the keyboard....that raccoon if it is still alive needs a colonoscopy.
that first one...is why rent is so expensive . id love to know the reasons behind doing that
6:37 the blood alcohol level would read higher so they’d be able to tell
Higher than what?
5:08 Ironic.
Imo there should be like the purge but for fraud claims. Say any stupid amount and excuse to the insurance and they have to pay out. Yes its kinda stealing but comon they're insurance companies, they deserve it
Fun times...
The customer advised who, the insurance guy on the phone?
This is written so poorly I can't focus on anything else from that story.
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